Important information
- Customer Complaint:Due to the volume of complaints filed against this business, BBB only publishes the details for 15% of the total complaints filed.
Complaints
This profile includes complaints for Continental Finance Company, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 707 total complaints in the last 3 years.
- 303 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/04/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company has reported to the credit bureau that I was late on my payments because they claim my payments weee returned by my bank. As the attached proves I was never late actually I overpaid. They have also closed my account. I am requesting that my account be credited properly and that they update their reporting on my credit report.
Business Response
Date: 06/13/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:05/31/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have tried several times close the account. I sent a letter the fall of 2023 & just received a new credit card, a statement with a zero balance but letting me know there will be annual fee due in June. I would like this account closed!Business Response
Date: 06/05/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 06/11/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.
Regards,Complaint ID: 21785523
Initial Complaint
Date:05/23/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had a credit card with Today Bank for approximately a year. Suddenly this was sold to a bank that I got little to no information about until it was on my credit report as late and owing fees. They never sent me a credit card agreement, lie and say they will send one and my new card over and again even after I paid over 600 dollars and was promised my statement so I can see what credit card this is my account number anything I have nothing but a bad credit score after I had a perfect payment history dropping my credit to poor! Worse no matter how many times I call or write I get no response no credit card agreement. I paid because I read they will sell the account to a collection agency and I don’t even know if the person I paid was a fraud I can’t find anything about them other then they have been sued from praying on people with sub prime credit and taking advantage of them with large fees and any regard for integrity and following the law.
I have another credit card with them that I have almost paid off called surge and the card has only worked 2x so it’s not even a working card again fraudulent business practices and I am going to pay this off but not without a receipt cause I also read they don’t report that you paid either.
The bank is continental finance that is listed on different credit reports with different names but always the Delaware state address.
They literally do not give you any information but certainly ask for all of mine and take my payments. Please help it appears the lawsuit did nothing to change the way they do business.Business Response
Date: 05/30/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:05/20/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was approved for credit pending payment of an $89 fee. I made the payment and was told by 3 separate reps including one supervisor that they at first could not see my payment but then located it and that I would need to wait a couple of days before I could use the card. I was alarmed because the card indicated that upon payment the card would be immediately activated. I decided to cancel with the supervisor on the phone and was advised I would receive a refund. Its now week 3. When I call the customer service number a pre recorded bot attempts to gain my medical insurance information. The entire company is suspicious and seems like a scamBusiness Response
Date: 05/23/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 06/03/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.
Regards,Complaint ID: 21736998
Initial Complaint
Date:05/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable with this debt from CELTIC/CONT Account #
534636120733**** and I DO NOT HAVE A CONTRACT
WITH CELTIC/CONT. They did not provide me with the
original application like i requested. and I DO NOT HAVE A
CONTRACT WITH CELTIC/CONT. They did not provide me
with the original application like i requested.Business Response
Date: 05/21/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:04/29/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
have been a verve customer since 2022. For months I never missed a payment. The IRS froze my account in 2022 and threw my regular payments off. I continued to work hard to get in good standing with regular on time payments and set up a payment plan. and no one answered the phone. Therefore my payment was late and they charged me with a late fee. They refuse to drop the late fee.Business Response
Date: 05/01/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:04/23/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I used my Surge card appropriately and paid monthly as required. Surge closed my account without explanation and for no legitimate reason. Monthly written requests plus multiple email requests for explanation since closure have been ignored. My credit report has been negatively impacted by this illegitimate closure.Business Response
Date: 04/30/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:04/18/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I called this company to figure out how I could pay on my credit card account. I was not informed that they had acquired my previous credit card account. I have been unable to log into my account or use my card. I have not received a new card or any additional information regarding accessing my account. This account is showing up on my credit report and the usage has increased even though I have not had access to it for a long period of time. On April 18, 2024 at 2pm I contacted their customer service where their agent, Ximena, refused to assist me after supplying my personal identifying information and she also refused to transfer me to a supervisor. She told me I do not have an existing account with them. I requested to speak with a supervisor five times and each time she refused. My issue was not resolved and it is impossible to reach anyone.Business Response
Date: 04/26/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:04/01/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 3/24 I received an email from Celtic Bank/Continental Finance Company that my application was approved for a Reflex Credit card. 1) I NEVER APPLIED FOR THIS CARD 2) I DO NOT UNDERSTAND HOW THIS HAPPENED.
And now--I received a physical card in the mail. I have no intention of calling the numbers to link me to this card and I will shred it as soon as I have received acceptable evidence of what I need from whichever of the two (Celtic or Continental Finance).
My actions to date:
My initial attempt to resolve this issue was met with disappointment. I called Celtic Bank, the name emblazoned on all the correspondence, but the operator abruptly hung up on me as soon as I mentioned the possibility of fraud. This, coupled with the subsequent blocking of the number on my mobile, left me feeling even more unsettled about the situation.
After persisting and realizing that the bank said Celtic Bank, but the service would be through Continental Finance Company, I managed to speak with someone at Continental and have the record "deleted." I was then told I had to speak with their fraud team to obtain a letter/email to indicate that, indeed, the account was created by fraud. However, when I spoke with their fraud department, they wanted my full social security number. I refused as I had already spent over 40 minutes back and forth trying to get more insight and to report fraud. More importantly, I did not trust giving my SSN over the phone because of an already suspicious situation. The reference number in the email should have been sufficient.
The reference number from the suspect email is all I would give them for each call I had to go through—the number was clearly enough to get to the next. And the lady who deleted the account (who was the most helpful, by the way) agreed she wouldn't give any personal information either.Business Response
Date: 04/02/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 04/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
- I ask that the company provide further clarification on what they have as part of the intake to approve -- for example, the telephone numbers are incorrect and it's not clear when or how this application was made from the record shared --- only the date that it might have been pulled for review (4/1) - further, it is unclear from their letter when and what was exactly captured for my PII as it is redacted (which is appreciated and understandable), but at least the last four of my SSN and a part of my DOB that I may compare against. If the phone numbers are wrong, I believe other numbers might be despite the fact that the address is correct. Finally:-it is unclear what to reference if I have questions and if that number is direct to an operator that can help me. The last time I called, I was given a run-around and I will not provide my SSN over the phone.Otherwise, I understand they want 30 days from sending that note to conduct their investigation -- that doesn't satisfy my requirement of a letter to help me in my conversations with the credit bureaus --may I use the letter they sent? It's unclear.Ultimately, I think that reporting this to the authorities might be advisable based on my own research.
Regards,
Complaint ID: 21515197
Business Response
Date: 04/16/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:03/25/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I found an email stating a new card was coming my way as the bank was bought out by Bank of Missouri and my credit card was no longer active as of February 26th.
I reached out to Continental Finance to see where my card was.
It was found that the address on file was incorrect.
The person I spoke to took my new address and said the card was on the way.
Two weeks passed and was advised by Supervisor ****** that the agent should not have taken my new address over the phone as the process is to email [email protected].
I emailed a copy of my electric bill as proof of new address.
I was advised by Supervisor ****** that my card would be on the way within 72 hours.
I expressed concern of late payments and she stated I could give payment information to her.
I declined as I had no proof of who she is and if my card would be secure. I told her I have no account as of right now, no card, and didn't know who they were now and what their website was. Even if I had access to their website to pay, I don't have a credit card or account number to use to create an account to make a payment and she was unwilling/unable to give that to me.
Supervisor ****** said she would note the account so I was not charged a late fee or recorded as "late" and to activate the card and make a payment once it is received.
This evening I received a text message to call about my account.
I called the number provided to find a Today card rep telling me my account is late and have late fees.
I reiterated the call I had with Supervisor ****** a week prior. I asked for a supervisor in the United States because he apparently they could not see the "notes" ****** left.
Supervisor ******* ******* got on the phone, and I explained again. She said they will not send a card because NOW the card is passed due.
IT'S PAST DUE BECAUSE OF YOU AND THE TIME DEALING WITH THIS ISSUE
I've been told numerous times my card is on the way and the card never arrived; it's been a month.
PULL THE RECORDED PHONE CALLSBusiness Response
Date: 03/27/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 04/07/2024
*****I accept the resolution of removing the fees and derogatory action against my account / credit. *****However, the fees are still showing on my account which is is why I declined the resolution.Also, I would like it acknowledged that my account was not past due. I called on March 8th and was even told by the rep my account was not past due. I called that day because I could not access my account for several days as the mobile app was down and could not access online. When I called, the rep told me a new card was being sent to me and he took my new address to send it out.When the card didn't arrive, I called back and was told the card was not sent because the previous rep was not supposed to have taken my new address over the phone and needed to send "proof" via email.That rep also said a card was going to be sent once processed "within 72 hours". Again, the card did arrive and had to call back when I was told a card wasn't going to be sent because the account was now late.YOUR REPS caused my account to be late, not me. The process described above took a month which caused my account to be late. I didn't have a card or account information in order to make a payment.**I** reached out to you on multiple occasions to resolve the issue so you telling me you're going to remove late fees and restore my account "as a courtesy" is offensive.Lastly, I have screenshots of my account showing a minimum payment of $101.00, yet the statement shows a minimum payment of over $200.I made the minimum payment that showed on my dashboard.Please confirm the following:Late fees will be removed by the next statement.Payments are current - or not and what is owed.Acknowledge your reps caused my account to be late but continually providing me with wrong information. (Pull the recorded calls if you would like to confirm for yourself.)Regards,
Regards,
Complaint ID: 21485880
Business Response
Date: 04/25/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.
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